Senior Credit Manager, Real Estate Segment (ED/MD)

Who We Are

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

Purpose of the role:

To evaluate and approve credit applications for wholesale banking, specifically focusing on the Real Estate sector in Hong Kong and Greater China, within delegated lending authority limits (LAL). This senior credit approver role (Managing Director / Executive Director) is pivotal in maintaining high-standard credit portfolio through continuous monitoring of obligors and the external environment, while contributing to the development of credit risk strategies that address emerging market risks. 

What You Will Be Doing:

• Credit Evaluation & Approval: Review and analyze credit proposals for Hong Kong and China wholesale corporate and specialized Real Estate clients.  Assess financial conditions, debt serviceability, cashflow projections, collateral quality (including LTV and DSR for property assets) and project viability to make informed recommendations or approval decisions.
• Sector-Specific Oversight: Focus on large-scale real estate projects, including construction financing and investment property loans, ensuring deep due diligence into project feasibility and developer liquidity across Greater China.
• Portfolio Management & Monitoring: Manage credit risk on a portfolio basis, conducting regular and ad-hoc reviews or stress tests to identify early warning signs of credit deterioration and updating loan classifications as necessary.
• Collateral Governance: Liaise with business units to enforce strict valuation and legal title governance for property collaterals.
• Stakeholder Collaboration: Provide expert guidance on credit structures, due diligence, and monitoring processes.  Manage local market credit knowledge sharing with our bank network.
• Policy & Compliance: Ensure all credit activities comply with internal policies and HKMA regulatory requirements. Assist in reviewing credit guidelines and supporting internal/external audit examinations.
• Strategic Advisory: Provide oversight on the recovery and work-out of deteriorating credits and participate in regional credit risk projects for the Head Office and Greater China. 

What Are We Looking For:

• Experience: Minimum 15+ years of wholesale credit experience, with at least 8+ years in credit approval role with delegated authority.
• Real Estate Expertise: Proven track record in assessing Real Estate credits, with specific knowledge of the regulatory landscape and market trends in both Hong Kong and Mainland China.
• Technical Skills: Deep understanding of Real Estate transaction structuring and financial modelling are essential.  Respective debt restructuring and recovery experience, in particular for cross border Real Estate transactions, will be an advantage.
• Mobility: travelling required within Greater China regions.
• Languages: Native or professional fluency in English, Cantonese, and Mandarin is essential for managing regional clients and reviewing Chinese financial documents.
• Education: University degree in Finance, Accounting, Risk Management, or a related discipline.  Relevant professional qualifications for credit risk, legal, financial modelling and Real Estate financing will be an advantage.